I just got my credit card interest rate lowered by 8%

[easjer]

I just called them and asked them to lower it. It was a variable rate, and it had crept up, but I hadn't paid much attention to it until this billing cycle, when I realized how high my balance was. I checked it out and paid nearly $100 in finance charges. No way I can pay it off anytime soon if my rates are so high.

So I called and asked them to lower it. I had a whole thing prepared about a better offer, but I didn't even have to say it. They just flat out offered me a new rate. And they gave me a choice between a fixed or variable rate (I took the lower variable rate).

They even offered me a balance increase. I politely declined. :lol

If you have a high interest rate - call the number on the back of your card and ask to renegotiate the APR.

[gay abc]

didn't i hear on the news that credit card companies are going to double the minimum amount due each month? :wow

[Spam]

I don't have much interest in credit cards.

[ZStomp]

And I just saved a bunch of money on my car insurance by switching to Geico!!!!!

[SWC Bonfire]

didn't i hear on the news that credit card companies are going to double the minimum amount due each month? :wow

Yep, it's new legislation so that if you pay the minimum, it won't take 56 years before you get the balance paid off.

[Louae]

you should've bluffed him into giving you a better deal. Usually, you can get your % down to 3 to 4 percent if you say that isn't good enough.

[SpursWoman]

I pay cash. :smokin

[Summers]

I pay cash. :smokin


I thought only strippers paid with cash.


:lol

[Willinsa]

Guys I work for a credit card company and one of the biggest lines I hear is that if you tell the cc company that you will be closing out your account becuase you found a lower rate cc most times (depending on your history with the cc company) they will lower your rate.

I have done this more than a few times myself. :lol

[Shelly]

I pay cash. :smokin


Me too. I live by the almighty debit card.

We took out a Home Equity loan to pay off our cards. And we can write off the interest!

[The sone]

And I just saved a bunch of money on my car insurance by switching to Geico!!!!!


maybe i can save some of my life force by you shutting your "sieco"

[N.Y. Johnny]

maybe i can save some of my life force by you shutting your "sieco"


http://www.psy.plym.ac.uk/year3/psy364sexual-selection/car-crash.gif

[CharlieMac]

I did that a few years ago when I was in major debt. I lowered the interest from 20 percent to 9, but I had to close my cards. Totally worth it.

[Aggie Hoopsfan]

I combine the best of both worlds - charge everything, and pay it off at the end of the month.

Killer bonus points from Amex, and it's like a free loan if I wait until just after the billing cycle to buy the big stuff :tu

[SequSpur]

Only caucasians can get lower interest rates.

[CharlieMac]

Only caucasians can get lower interest rates.

I really don't think I know any hispanic or black people with an Amex card.

[N.Y. Johnny]

I really don't think I know any hispanic or black people with an Amex card.



:lmao

thats funny....I dunno any hispanic people with the Amex card this guy says...the Amex card is a "green card"....the irony?? :lmao